MF gurus, Need expert advise. Had SIP's in 4 MF's all of which expired in December 2013. So planning to start fresh SIP's in 1) BSL Front Line Equity fund 2) HDFC Top 200 3) ICICI Focussed blue chip. Rest of the investments in PPF (Self+wife). Planning to have SIP for atleast 3 yrs. Are the above mentioned funds good enough? Or should I have some Balanced fund in my portfolio? Pls advise. Second query is all of my earlier MF investments have now two options one is Regular and Direct plan. Planning to safeguard the profits earned in these MF's. Should I switch the Regular & Direct plan units from MF to Liquid funds of the same MF house. This way I can ensure that capital is protected + earnings slightly more than Bank FDs at the same time privind easy/fast liquidity. What should my strategy be? Suggest some good funds too. Mods: Searched for any existing thread, couldnt find one. Hence starting new. If any thread exists, pls move accordingly.